Health Law Advocates (HLA) is committed to assisting low- and moderate-income consumers across Massachusetts in accessing affordable, comprehensive health care coverage. Recently, HLA has received consumer inquiries regarding out-of-state discount health plans that are offered to residents of the Commonwealth. Discount health plans are not health insurance. These health plans do not provide the comprehensive coverage. While these plans appear to offer affordable, low cost alternatives to comprehensive health insurance coverage, they leave residents exposed to medical debt. Furthermore, these plans may subject residents to tax penalties for noncompliance with the Commonwealth’s minimum creditable coverage requirement and health insurance mandate.
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